Form 4 Filing for David G. Kruczlnicki

This SEC filing details a transaction made by David G. Kruczlnicki, a director at Arrow Financial Corp. On September 23, 2026, Kruczlnicki acquired 228 shares of the company's Common Stock at a price of $36.97 per share, bringing his total post-transaction shares to 60,847. The transaction, coded as 'J' and marked as an acquisition ('A'), is noted as a 'Quarterly Director's Retainer Payment' in footnote F1. The filing was signed by Penko Ivanov as Attorney in Fact on September 24, 2026.